According to Businessinsider.com, Cardale's decision to not enter the draft is not as risky of a financial decision as it might appear. Here's the link - quick read:

http://sports.yahoo.com/news/cardale-jones-taking-4-million-225007595.html

Highlights:

If you think you will be drafted in the first or second rounds, the payoff is huge compared to the third round or later

Cardale's draft projection is in "no-man's-land" meaning no gaurantees he's in the first two rounds (Kiper thinks bottom of second round or top of third round).

There is little difference in money weather you are picked in rounds 3 through 7, so even if he doesn't improve his draft stock by staying, and potentially falls to later rounds next year, it really won't affect him financially

As a quarterback that everybody agrees has all the physical tools NFL teams drool over, Jones has an excellent shot to boost his stock into the top-half of the first round next year. CJ is pushing his chips into the middle of the table - wanna bet against him?